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Do You Purchase Travel Insurance?

Do You Purchase Travel Insurance?

Old Jan 15, 22, 9:18 pm
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Do You Purchase Travel Insurance?

There's been lots of talk on one of the Facebook travel pages about the pros and cons of buying or not buying insurance for your trip.

Please tell me if you buy insurance, or if you don't buy insurance. I'd like to take an informal poll of Flyertalkers.

I'll respond first with a NO.
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Old Jan 15, 22, 9:41 pm
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I do for international trips.
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Old Jan 15, 22, 10:24 pm
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Originally Posted by dhammer53 View Post
There's been lots of talk on one of the Facebook travel pages about the pros and cons of buying or not buying insurance for your trip.

Please tell me if you buy insurance, or if you don't buy insurance. I'd like to take an informal poll of Flyertalkers.

I'll respond first with a NO.
How about "It depends" as an answer?
For a high value trip, i.e. international airfare, pre-paid lodging, etc. I do, and it has twice paid off.

For a domestic trip where I'm not locked into lodging, no, not usually.
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Old Jan 15, 22, 11:08 pm
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Yes, almost all of the time.

First it was elderly parents and work commitments that could cause cancellations or changes. Those are less of an issue now.
Refund/credit policies play into too.

Now, unless most costs are small or refundable, we insure at least the non-refundable parts of the trip.

Have had to use the insurance a couple times so it has been worth it.
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Old Jan 16, 22, 1:29 am
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Always.

For me, it covers medical costs abroad as well as travel related issues and I would hate to get a hospital bill in many countries, especially the USA. I was lucky enough that it also covered Covid disruption at the start of the pandemic.
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Old Jan 16, 22, 2:16 am
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Every international trip I sure do. No way in the world I want to be having to pay American medical fees from my own pocket!
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Old Jan 16, 22, 2:43 am
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Depends on the overall price of a trip and cancellation policies. If it's COVID you're worried about, I'd prefer something like COVAC Global, which can get me home from a trip over insurance.
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Old Jan 16, 22, 2:50 am
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I have bought a yearly travel health policy for my family. Never bought individual flight or hotel policies. I tend to book using miles or points, or ones where you can cancel a day before your hotel stay.

I currently have a cruise booked at the end of the month, that I think will be canceled. Ill wait for the cruise line to cancel. My flights and one hotel night are all cancelable the same day, or a day in advance.
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Old Jan 16, 22, 3:02 am
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Yes but I insure mainly for medical care and evacuation costs not for trip costs. Travel policies insuring $500 worth of travel / accommodations but offering adequate medical and a million in medical evacuation are inexpensive. Nowadays covid contingencies / quarantine are also a factor.

As a doc I occasionally see patients get sick or injured away from home who face enormous bills for medical transport. The highest one: $250,000 - cash.

Jim
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Old Jan 16, 22, 9:52 am
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For many years I did not buy travel insurance and never had a problem where it would have been of benefit. Now I buy cheap medical and evacuation insurance. Those policies tend to have some other benefits included in the package, like trip delay or lost baggage. I use my Chase Sapphire preferred card for most travel purchases, it has very good insurance coverage.
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Old Jan 16, 22, 10:12 am
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Now with covid I do, every international trip (via Allianz). They cover covid related issues if they happen (hotels, etc).
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Old Jan 16, 22, 3:26 pm
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Not even once. Never ever.
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Old Jan 16, 22, 3:40 pm
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I never did until certain countries started requiring medical insurance for entry. For years, I've held a med evac policy. If I end up in the hospital, the insurance flies me home to my US hospital in appropriate medical transport.

Given how relatively cheap the travel insurance policies are (for award travel, hotels that can be canceled day prior, etc., so I don't need to insure for a high trip value), I may be buying it more frequently.
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Old Jan 16, 22, 4:31 pm
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Since I make several international and domestic trips each year I buy an annual policy.
Costs about what two individual trip policies cost and works for every trip 100 miles or more from home.
In this age of flight delays, cancellations, lost baggage, medical complicatons, etc. it's been worth multiple
times what it costs.
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Old Jan 16, 22, 4:33 pm
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Never. My employer gives me worldwide medical coverage and medical evacuation. I pick refundable hotel rates and never do tour groups or other packages, so I don't prepay anything other than business conference registration fees, which my employer covers. If I were to take an expensive (Antartica?) cruise, I'd want travel insurance, as well as insurance when a country requires some specific policy. I'd possibly consider a COVID-19 policy, although the rates I've seen make me want to self insure instead unless I would need the evacuation back to the USA when not medically necessary--i.e., to avoid a quarantine abroad after a positive test when asymptomatic or experiencing only mild symptoms (fully vaccinated).
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